Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$9,591Cash toward the purchase price.
Closing costs + prepaids$9,223Not just lender fees.
Before credits & paid funds$18,814The complete starting cash picture.
Estimated remaining funds due at closing
$18,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,591.19
Your down payment$9,591.19
Closing costs + prepaids$9,222.73
Total buyer cash needed$18,813.92
Remaining funds due$18,813.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$114.75
Initial HOA (3 months)$187.50
Prepaid interest, first (1 days)$45.48
Fees + prepaids$9,222.73
Your down payment is the seller’s equity. You take over the $255,409 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $18,813.92 is due at closing. Uses and sources reconcile at $274,222.73 each. Not a Closing Disclosure.